Funding & Liquidity Highlights

Leader in Digital Banking and Innovation Overview liv. digital bank by Emirates NBD further strengthened its proposition growing its customer base to more than 660,000 customers in UAE & KSA Liv. during 2022 has launched Liv. Young, the region's first banking app and debit card for kids aged 8-18 years. Liv. Young helps kids build good money habits with features such as saving with goal accounts, tracking their spends, and earning by completing tasks/ chores assigned by parents Liv. Prime the subscription-based membership programme, offering customers an enhanced banking and lifestyle experience & Liv. credit cards which offers customers the flexibility to choose and easily switch between reward programmes along with added lifestyle benefits continued to gain traction in the year Liv. continued to engage customers through various marketing campaigns including the roll out of Liv. Blog to help customers stay up-to-date on money matters Key Digital Developments • 10 90% of all face-to-face card payment transactions now 'contactless' through Mobile wallet Continued to develop its digital platforms with enhancements to the mobile digital account opening process in UAE and roll out of a self-service tablet banking proposition for account opening & credit cards in KSA The mobile app was enhanced with new features for payments and transfers An enhanced tablet banking solution for new credit card sourcing was launched Launched DEWA & TECOM IPO portal on Emirates NBD website with real time direct integration with Dubai Financial Market (DFM) Transactions via digital channels 96% 2021 Eligible Retail Business customers digitally active 84% 2021 Eligible Corporate clients opting for digital platform 91% 2021 98% 85% 91% H1 2022 H1 2022 H1 2022 6

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